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Providing Goods and Services to People with Disabilities
1. Our mission
The mission of goeasy Ltd. and its subsidiaries is to provide customers access to household goods and services that enhance the quality of their lives.
2. Our commitment
In fulfilling our mission, goeasy Ltd. strives at all times to provide its goods and services in a way that respects the dignity, and independence of people with disabilities. We are also committed to giving people with disabilities the same opportunity to access our goods and services and allowing them to benefit from the same services, in the same place and in a similar way as other customers.
The Accessibility for Ontarians with Disabilities Act, 2005 (AODA) was created with the goal of developing standards that would improve accessibility for people with disabilities across the Province. The AODA allows the Provincial Government to develop specific standards of accessibility and to enforce them. The standards are made into regulations pursuant to the AODA. The Customer Service standard is the first standard developed under the AODA.
4. Definitions (as defined by the AODA Act, 2005)
Assistive Device is a technical aid, communication device, or medical aid modified or customized, that is used to increase, maintain, or improve the functional abilities of people with disabilities.
Barrier means anything that prevents a person with a disability from fully participating in all aspects of society because of his or her disability, including a physical barrier, an attitudinal barrier, a technological barrier, a policy or a practice.
Service Animal, an animal is a service animal for a person with a disability if it is readily apparent that the animal is used by the person for reasons relating to his or her disability; or if the person provides a letter from a physician or nurse confirming that the person requires the animal for reasons relating to the disability.
Support Person, a support person means in relation to a person with a disability, another person who accompanies him or her in order to help with the communication, mobility, personal care or medical needs or with access to goods or services.
5. Providing goods and services to people with disabilities
goeasy Ltd. is committed to excellence in serving all customers including people with disabilities and we will carry out our functions and responsibilities in the following areas:
We will communicate with people with disabilities in ways that take into account their disability.
We will train staff who communicate with customers on how to interact and communicate with people with various types of disabilities.
5.2 Telephone services
We are committed to providing an accessible telephone service to our customers. We will train staff to communicate with customers over the telephone in clear and plain language and to speak clearly and slowly.
We will offer to communicate with customers by alternative methods such as e-mail, relay services, or print communication if telephone communication is not suitable to their communication needs or is not available.
5.3 Assistive devices
We are committed to serving people with disabilities who use assistive devices to obtain, use or benefit from our goods and services. We will ensure that our staff members are trained and familiar with various assistive devices that may be used by customers with disabilities while accessing our goods or services.
We are committed to providing accessible invoices to all of our customers. For this reason, invoices will be provided in the following formats upon request: hard copy, large print, e-mail.
We will answer any questions customers may have about the content of the invoice in person, by telephone or e-mail.
6. Use of service animals and support persons
We are committed to welcoming people with disabilities who are accompanied by a service animal on the parts of our premises that are open to the public and other third parties. We will also ensure that all staff, volunteers and others dealing with the public are properly trained in how to interact with people with disabilities who are accompanied by a service animal.
We are committed to welcoming people with disabilities who are accompanied by a support person. Any person with a disability who is accompanied by a support person will be allowed to enter goeasy’s premises with his or her support person. At no time will a person with a disability who is accompanied by a support person be prevented from having access to his or her support person while on our premises.
Wherever service animals are prohibited by law, we may provide personal assistance during the store visit.
7. Notice of temporary disruption
goeasy Ltd. will provide customers with notice in the event of a planned or unexpected disruption in the facilities or services usually used by people with disabilities. This notice will include information about the reason for the disruption, its anticipated duration, and a description of alternative facilities or services, if available.
The notice will be placed at all public entrances and service counters on our premises.
8. Training for staff
goeasy Ltd. will provide training to all employees, volunteers and others who deal with the public or other third parties on their behalf, and all those who are involved in the development and approvals of customer service policies, practices and procedures. Individuals in the following positions will be trained:
Regional managers, store managers, store staff, delivery drivers, contract staff, co-op students, distribution or warehouse staff, customer service agents and office staff.
This training will be provided during employee orientation after they commence their duties.
Training will include the following:
Applicable staff will be trained on policies, practices and procedures that affect the way goods and services are provided to people with disabilities. Staff will also be trained on an ongoing basis when changes are made to these policies, practices and procedures.
As required, goeasy will keep records of the training provided.
9. Feedback process
The ultimate goal of goeasy Ltd. is to meet and surpass customer expectations while serving customers with disabilities. Comments on our services regarding how well those expectations are being met are welcome and appreciated.
Feedback regarding the way goeasy provides goods and services to people with disabilities can be made by e-mail, verbally, or by a suggestion feedback form. All feedback will be directed to the human resources department. Customers can expect to hear back in 15 business days.
Complaints will be addressed according to complaint categories already established in our company’s complaint management procedures.
10. Modifications to this or other policies
We are committed to developing customer service policies that respect and promote the dignity and independence of people with disabilities. Therefore, no changes will be made to this policy before considering the impact on people with disabilities.
Any policy of goeasy that does not respect and promote the dignity and independence of people with disabilities will be modified or removed.
Employer: The role of the employer is to establish proper tools and resources in support of providing goods or services that uphold the four key principles of dignity, independence, integration and equal opportunity for all persons, including persons with disabilities.
Manager: The role of the manager is to ensure all employees under their direction have completed their training and support the policy.
Employees: The role of every employee is to ensure their understanding of the Customer Service policy and to abide by the policy at all times.
12. Questions about this policy
This policy exists to achieve service excellence to customers with disabilities. If anyone has a question about the policy, would like to see our policies, or if the purpose of a policy is not understood, an explanation should be provided by, or referred to, human resources department at 33 City Centre Drive, Suite 510, Mississauga ON L5B 2N5 Canada – 905.272.2788.
See also goeasy Ltd Multi Year Accessibility Plan and Integrated Accessibility Standards Regulation Policy Statement (IASR) Policies documents.
We know the fine print can be painful, but we believe it's important you have all the facts!
easyfinancial offers a variety of financial services including personal loans, and mortgages. easyfinancial is a division of goeasy Ltd., the leading full service provider of goods and alternative financial services that improve the lives of everyday Canadians. goeasy Ltd. is listed on the TSE under the symbol 'GSY'.
* easyfinancial offers secured personal loans in all provinces, excluding British Columbia, Nunavut, Northwest Territories, and Yukon.
Apply for a creditplus loan powered by Refresh Financial, of $1,500 or $3,000, with interest rates from 9.5% – 9.9% depending on your loan amount and our assessment of your credit profile, amortization of 48 months, and get a guaranteed $1,000 easyfinancial loan (the “Offer”) after the first 6 or 12 months of on-time payments. See in store for details. Guaranteed easyfinancial loan Offer not available in Manitoba, Newfoundland, Saskatchewan and Quebec. Offer conditional upon customer’s creditplus loan being in good standing where all payments on their creditplus loan have been made on-time for the term of the loan. With APR from 15.68-19.99%, depending on your loan size. To be eligible for the Offer, Customer(s) must be employed, not bankrupt, not in credit counselling, and not have an existing loan with easyfinancial, or have had a previous loan with easyfinancial that was not fully repaid. Offer subject to change without notice. Offer may be withdrawn without notice, at the sole discretion of easyfinancial. creditplus loan may be subject to additional fees that vary by province. Restrictions apply, please see in store for details.
*This is an offer made by easyfinancial Services Inc. and does not, in any way, guarantee any credit improvement, credit repair or similar guarantees or promises with respect to your credit score. Refresh Financial Inc. acts as lender in respect of creditplus loans, but is not affiliated with easyfinancial Services Inc. and has not reviewed or approved any claims made in this advertisement, nor can it confirm their accuracy or completeness. The terms and conditions associated with all creditplus loans are set out in the creditplus loan agreement between easyfinancial Services Inc. (which will assign its rights and responsibilities as Lender under the creditplus loan to Refresh Capital Corp. prior to funding it, in accordance with the terms of the creditplus loan agreement) and borrowers. Please review these terms in full to understand your rights and obligations as a borrower of a creditplus loan. Any statements, claims, or offers contained in any advertisement, promotional materials or websites operated, maintained or produced by easyfinancial Services Inc. are wholly the responsibility of easyfinancial Services Inc. and no other party. Refresh Financial Inc., and its subsidiaries and affiliates, has not endorsed any such statements and accepts no responsibility for their accuracy or completeness.
Refresh Financial Inc. acts as lender in respect of creditplus loans, but is not affiliated with easyfinancial Services Inc. and has not reviewed or approved any claims made in this advertisement, nor can it confirm their accuracy or completeness. The terms and conditions associated with all creditplus loans are set out in the creditplus loan agreement between easyfinancial Services Inc. (which will assign its rights and responsibilities as Lender under the creditplus loan to Refresh Capital Corp. prior to funding it, in accordance with the terms of the creditplus loan agreement) and borrowers. Please review these terms in full to understand your rights and obligations as a borrower of a creditplus loan. Any statements, claims, or offers contained in any advertisement, promotional materials or websites operated, maintained or produced by easyfinancial Services Inc. are wholly the responsibility of easyfinancial Services Inc. and no other party. Refresh Financial Inc., and its subsidiaries and affiliates, has not endorsed any such statements and accepts no responsibility for their accuracy or completeness.
While having a loan and honouring its obligations can help build credit, too many loans may be seen by potential creditors as an increased risk, and failure to meet repayment obligations will result in a negative report to the credit bureaus, which would reduce your credit score. Please borrow responsibly.
Loans from easyfinancial do not automatically renew. Customers have the option to request an increase to their loan after paying down a percentage of their current loan amount and maintaining good payment history. Such a request would be subject to the company's standard underwriting rules.
BENEFITS OF A CO-APPLICANT
All new approved Unsecured loan application(s), with a co-applicant, will receive a 2% reduction on the interest rate to be charged. Interest rate reduction will occur for the term of the approved loan--provided both applicant and Co-applicant are approved. Interest rate reduction will be applied to Unsecured loan products only. Offer is valid in all regions excluding Manitoba and Quebec. easyfinancial reserves the right to change, amend or withdraw this offer at any time without notice. Conditions apply see in store for details.
easyfinancial offers personal loans from $500 to $35,000 with terms from 9 to 120 months. The APR is between 19.99%-46.96%. Secured personal loans may be subject to provincial fees upon funding. NSF (non-sufficient funds) payments will be assessed a $50 fee in addition to fees charged by the customer's financial institution.
easyfinancial contacts customers in arrears as soon as possible through various means including, but not limited to telephone, email, postal mail and SMS. easyfinancial may work with third parties to assist in collections activities.
LOAN PROTECTION PLAN
†Loan Protection Plan is underwritten by American Bankers Insurance Company of Florida (ABIC) and American Bankers Life Assurance Company of Florida (ABLAC) under Group Master Policy Numbers EF012017, EFL012017, EF082017 and EFL082017.
** Receive approval in as little as 48 hours with complete documentation.
‡ Conditions apply. Ask branch for details. Optional service.
ABIC and ABLAC carry on business in Canada under the trade name of Assurant®.
®Assurant is a registered trademark of Assurant, Inc.
The complete terms, eligibility, benefits, limitations and exclusions are contained in the Certificate of Insurance.
Purposes for Which goeasy Handles Personal Information
goeasy collects and uses personal information for purposes limited to those which are related to its businesses, which include providing financial services and leasing household furnishings, appliances, and home electronic products to its customers under lease agreements. We collect personal information primarily from you, for instance through applications and supporting documentation you provide. We may also collect personal information about you through your ongoing interactions with us, from references, employers and other financial institutions you have identified in your application as well as credit bureaus and other third party sources. For example, we may collect personal information from credit bureaus for the purpose of locating you to collect outstanding debts. In connection with loan agreements, we may also collect personal information from credit bureaus in order to verify your current and ongoing creditworthiness and other information you may provide to us.
We may collect and use personal information for purposes such as, but not limited to, the following:
Personal Information goeasy Collects
goeasy limits the amount and type of personal information collected to that which is necessary for our identified purposes, and we collect personal information by fair and lawful means.
Personal information that we collect includes:
Transfers and Disclosures of Personal Information
goeasy may disclose personal information in a number of circumstances, including:
In addition to the above, personal information may be shared between our affiliates or subsidiaries (including those located in the United States) for internal audit, management, billing or administrative purposes including defending and bringing legal actions.
In the course of fulfilling the purposes described above, goeasy may transfer your personal information to service providers, including affiliates or other third party organizations or individuals retained by goeasy to perform functions on its behalf, such as marketing, data processing, customer service, office, security, collections, insurance, financial and taxation services. When personal information is transferred to service providers, we use contractual or other means to ensure that a comparable level of protection is provided. Some of our service providers may be located outside Canada, including in the United States, and will be subject to applicable legal requirements in the country in which they are located, including lawful requirements to disclose personal information to government authorities in certain circumstances.
goeasy may also use and disclose personal information in connection with the proposed or actual financing, securitization, insuring, sale, assignment or other disposal of all or part of our business or assets (including your loan or lease and any agreement to which it relates), for the purposes of evaluating and/or performing the proposed transaction. Assignees or successors of our business or assets may use and disclose your personal information for similar purposes as those described in this Policy.
goeasy may disclose your personal information as necessary to meet legal, regulatory, insurance, audit, and security requirements, and as otherwise with your consent or as permitted or required by law.
goeasy uses reasonable safeguards and other security standards to protect all personal information in its custody and control against loss or theft, as well as unauthorized access, disclosure, copying, use or modification, regardless of the format in which the information is held. Safeguards will vary depending on the sensitivity, format, location, and storage of the personal information. Only authorized employees, agents, partners and third parties who require access to personal information to fulfill their job requirements will have access to personal information.
Access and Accuracy
goeasy may establish and maintain a file containing an individual's personal information for the purposes described above, which will be accessible at our offices. Individuals have the right to request access to or correction of their personal information that is held by goeasy. Requests must be made in writing, addressed to goeasy's Privacy Officer as per the contact information set out at the end of this Policy. We will respond to written requests within a reasonable time. Copies of records containing personal information may be subject to a fee. If this is the case, goeasy will inform the individual of the amount of the fee in advance. We will use our best efforts to ensure that personal information is as accurate, complete and up-to-date as necessary for the identified purposes. If an individual successfully demonstrates the inaccuracy or incompleteness of personal information, we will amend the information as required. If we refuse access to personal information or disagree with an assertion that information held by us is incorrect, we will provide a written explanation for such refusal and a description of our complaints procedure should an individual decide to challenge such written explanation. An individual's right to access or correct personal information is subject to applicable legal restrictions. To prevent fraudulent access to the personal information stored by goeasy, we may take reasonable steps to verify an individual's identity before granting access or making corrections.
goeasy's Websites and E-Mail Communication
goeasy does not guarantee the confidentiality of any communications made by you via e-mail or otherwise through our websites. If you wish to provide information of a confidential or sensitive nature to easyhome, please contact us directly by telephone at 1-866-823-3279 or easyfinancial at 1-888-502-3279 to arrange for delivery/transmission of such information by secure means.
In compliance with Google's advertising policies, we use Google Adwords Search Engine Marketing (Pay Per Click) and Display Advertising (Remarketing and Google Display Network). We use Google AdWords Remarketing in compliance with the Google AdWords Interest-Based Advertising Policy, which means that you may see our advertisements on Google and other third party websites on the internet after visiting our website.
We use Google Analytics for Display Advertising, including Remarketing, Google Analytics Demographics and Interest Reporting, Google Display Network Impression Reporting and the DoubleClick Campaign Manager integration. You have the option to opt out of Google Analytics for Display Advertising and customize Google Display Network ads. For all the currently available opt-outs, please visit https://tools.google.com/dlpage/gaoptout
We use the data collected through Google Analytics Demographics and Interest Reporting to better understand our website visitors in terms of demographics and interests, to improve our website content in order to cater to our audience, and to customize advertisements based on our audience's interests and demographics.
In certain circumstances, as permitted or required by law, we may collect, use or disclose personal information without the knowledge or consent of the individual. These circumstances include but are not limited to: personal information that is publicly available as defined by regulation; where collection is clearly in the interests of the individual and consent cannot be obtained in a timely way; where disclosure is made for the purposes of collecting a debt owed to us; or to comply with a subpoena, warrant or court order.
Inquiries or Further Information
Privacy Officer, goeasy Ltd.,
33 City Centre Drive, Suite 510
Mississauga, Ontario, L5B 2N5, Canada
If you are not satisfied with our response to a privacy-related matter, you may contact the Office of the Privacy Commissioner of Canada at 1-800-282-1376 or at http://www.privcom.gc.ca. or in Quebec, Alberta or British Columbia, your provincial privacy regulator, as applicable.